C is for Cleaning Company Insurance
Cleaning company insurance is something we found ourselves specialising in around the summer of 2012.
I had arranged cleaning company insurance for a several clients throughout the UK in the 6 or 7 years prior, so had a firm understanding of the needs of a cleaning company in terms of their business insurance.
We started arranging cleaning company insurance more and more frequently from then on, as we’d just got access to a really good cleaning company insurance policy.
Until then, there were only a few insurers that could provide the specialist extras that a cleaning company requires, and they were often quite expensive.
What’s included in cleaning company insurance
Here’s what’s included in one of the more comprehensive cleaning company insurance policies:
- Public & Products Liability Insurance
- Employers Liability Insurance
- Professional Indemnity Insurance
- Damage to property being worked upon
- Accidental destruction of goods
- Loss of Keys
- Misuse of Customer telephones
- Theft by Employees
- Tools & equipment
- Security of Customers Premises
- Damage to Customers’ Property Taken Off Site For Cleaning
- Legal Expenses Insurance
- Loss of or Damage to Employees Clothing And Their Personal Effects
- Financial Loss
What to look out for when buying Cleaning Company Insurance
To this day it amazes me that there are Insurance policies out there that don’t include any of the above added extras, but cost around the same or more!
One of the major things to look for is whether the cover you are about to buy includes damage to property being worked upon – if a customer is going to make a claim against you it is likely to be because you damaged something whilst cleaning it, so this cover is essential, but very often not included.
Another great added extra is cover if you lose your customer’s keys – this can often mean they need to have the locks changed which can be costly if you work with commercial customers. Again, very often excluded unless you’re buying specialist cover.
There are many others though, as you can see.
Contact us for a free no-obligation Cleaning Company Insurance quote.
If you are a Cleaning company or know any that we might be able to help, we’d love to hear from you.
Evans Insurance Brokers
Independent Insurance Brokers in Essex